When considering ensuring your trailer tent there are lots of things to think about. The main thoughts are likely to regard safety, security and longevity. With insurance the terms and conditions and elements of a policy are likely to be very similar to those for a touring caravan but there are a few differences.
The main difference obviously concerns the fact that a tent or a folding camper is inherently somewhat less secure than a metal caravan. What that means is that insurers perceive trailer tents as having a higher level of associated risk and feel that more people may make claims with trailer tents than trailer caravans.
The first thing to do when you’re thinking about whether or not you need Trailer Tent insurance is to look at the policy for your car. Some vehicle insurance policies already have a built in insurance provision for trailers but that’s only third party cover and it doesn’t cover any accidents which happen when the trailer isn’t attached to the car or any thefts or damage which the trailer tent itself suffers.
Types of Cover
The types of cover a good trailertent insurance policy include are numerous and they relate to the fact a trailer tent is naturally less secure than a traditional metal caravan. Just like you ensure your home contents and your home itself against fire, theft and vandalism it can be prudent to ensure your trailer tent too. Often by showing insurers that you’ve taken additional steps to make your trailer tent more secure you can also take advantage of cheaper insurance deals.
If the trailer tent is stolen, vandalised, damaged by a natural catastrophe such as gale force winds or if items within the trailer tent are stolen you should be able to make a claim on most policies. Check that all of the coverage that a policy offers relates to your needs.
People who are members of caravanning clubs can also often get good deals because members of clubs usually park on very secure well maintained campsites and so reduce the risk of theft. Telling an insurer you have a good hitchlock connecting your trailer to your car and that you have good locks on the tent itself can also save you money on a premium.
Types Not Covered
Some types of potential claim are very unlikely to be covered by an insurer, however. For example, while environmental damage from freak weather conditions might be in your policy, damage to your trailer tent which is caused by mildew, rot or fungus is highly unlikely to be.
This would be seen more as a neglect of care on behalf of the trailer tent’s owner by an insurance company. Equally, loss of items or damage to items or the trailer tent as a result of vermin, domestic pets or insects would be seen as the fault of the owner in not taking precautions to get rid of these pests rather than be covered by insurance.